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sba loan in an expeditious manner.  Whether you're looking for a working capital loan, equipment financing, or a term loan we have you covered.   We are a 15 employee company who is an Inc 5000 firm.

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SBA (Small Business Administration) loans come in several main types, each designed for different business needs. Here’s a clear breakdown:

1. SBA 7(a) Loans (Most Common)

• Best for: General business needs

• Uses: Working capital, equipment, real estate, refinancing debt, buying a business

• Loan amount: Up to $5 million

• Why it’s popular: Flexible and widely available

2. SBA 504 Loans

• Best for: Purchasing fixed assets

• Uses: Real estate, buildings, large equipment (not working capital)

• Loan structure:

  • Bank loan (50%)

  • CDC (Certified Development Company) loan (40%)

  • Borrower down payment (10%)

• Loan amount: Typically up to $5.5 million (CDC portion)

• Key benefit: Lower interest rates, long-term financing

3. SBA Microloans

• Best for: Startups or very small businesses

• Uses: Inventory, supplies, equipment, working capital

• Loan amount: Up to $50,000 (average ~ $13k)

• Extra perk: Often includes business training/support

4. SBA Express Loans

• Best for: Faster funding

• Uses: Same as 7(a)

• Loan amount: Up to $500,000

• Key benefit: Faster approval (often within 36 hours)

• Trade-off: Slightly higher interest rates, lower SBA guarantee

5. SBA CAPLines (Lines of Credit)

• Best for: Short-term or cyclical working capital

• Types include:

  • Seasonal

  • Contract

  • Builders

  • Working capital

• Loan amount: Up to $5 million

• Use case: Managing cash flow gaps

6. SBA Disaster Loans

• Best for: Businesses affected by disasters

• Uses: Repair physical damage or cover economic losses

• Types:

  • Economic Injury Disaster Loans (EIDL)

  • Physical disaster loans

• Key feature: Low interest, long repayment terms